FOR DIVORCE ATTORNEYS AND LAW FIRMS NATIONWIDE

Help with retirement
assets in divorce.

I know what I need.

Choose a service.

Pension estimates exclude federal civilian and military pensions.

Language review is complimentary when TOVA prepares the related court order.

I’m not sure.

You don’t need to pick a service first.

Send us what you have.

Start my case assessment

Fill out the short form.
Tell us your question and any deadline.
Share what you have.
We provide a confidential upload link after your inquiry. Start with what you have, even if records are missing.
We review the case.
We explain the plans, the work needed and any missing records. You approve the scope and fee before work begins.

This helps you choose the work. It is not an order for records discovery or tracing.

“I read the QDRO, it's extremely detailed, it's very thorough.”

Judge, Connecticut Superior Court
Judicial District of Stamford-Norwalk

“I recently engaged your services for some tracing work. I was thrilled with how quickly you turned it around.”

Divorce Attorney, New York

RECORDS DISCOVERY

Need help finding retirement records?

We identify what to request and where to send it. You receive letters and help reviewing the replies.

$1,500 flat fee. Hire us for records discovery alone. Tracing is not required.

See the service and examples ↗

Example of a records request for your firm’s letterhead

See a letter prepared for counsel ↗

ACCOUNT TRACING

Need the non-marital amount calculated?

We trace contributions, transfers, withdrawals and investment changes in account-based retirement plans and IRAs.

Start with the records you already have. Records discovery is not a required first step.

We review the records and quote the tracing fee before work begins.

$11.2 million

in non-marital retirement assets identified in a single year. Tens of millions to date.

Tracing results depend on the account history and available evidence.

See two tracing examples

More than $1.38 million

Older records helped TOVA trace money through later retirement accounts.

A draft settlement analysis identified more than $1.38 million as non-marital, subject to the report’s assumptions.

An anonymized analysis result, not a court award or cash recovery.

$373,000

In a different case, TOVA identified $373,000 in non-marital retirement funds after older records were first called unavailable.

We helped locate the data and traced the non-marital portion.

How forensic tracing works ↗

WORKING WITH TOVA

Retirement expertise and tracing in one firm.

TOVA combines financial analysis, account tracing and retirement-plan knowledge. Bring us the retirement work your case needs.

Records, tracing, valuation, drafting, and review handled in-house, with no handoffs.

Meet Denisa Tova-Liebman and the firm ↗

What you can expect

Retirement division explained in plain English.
QDROs drafted to the plan’s rules and the custodian’s requirements.
Revisions if the plan asks for changes.
A phone conversation when the case needs one.

More about the work and plan types

A Qualified Domestic Relations Order (QDRO) divides retirement assets under the plan’s rules.

We review retirement division language before clients sign, complimentary when TOVA prepares the related court order. Counsel drafts the settlement agreement.

Forensic tracing calculates marital and non-marital value in defined contribution plans, which are account-based plans, and IRAs. Pension work includes present value estimates and a marital fraction, also called a coverture formula.

Pension present value estimates are $700. Federal civilian pensions, including FERS and CSRS, and military pensions are excluded from estimates.

Our order work includes private and governmental plans, Court Orders Acceptable for Processing (COAPs) for federal civilian retirement, Retirement Benefits Court Orders (RBCOs) for the Thrift Savings Plan (TSP), and IRA transfers. Military order work covers active duty and retired members.

We also take foreign divorce orders and other specialized retirement issues.

We record what comes in and what’s missing, so the work stays consistent from case to case. We reduced many fees as our systems became more efficient.

All services and pricing ↗

FOR YOUR NEXT QUESTION